Credit union · NCUA insured
UPS Employees Credit Union Credit Card Rates
UPS Employees Credit Union credit cards start at 12.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How UPS Employees Credit Union’s credit card rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where UPS Employees Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UPS Employees Credit Union
12.90%APR
- Up to
- —
VISA Credit Card
Lowest rate
LGWFCU
7.90%APR
- Up to
- 16.90% APR
2nd-lowest rate
Memphis City Employees Credit Union
7.90%APR
- Up to
- 16.90% APR
UPS Employees Credit Union credit card score
67
Credit card score
Higher than 20% of U.S. banks and credit unions
- Purchase APRPurchase APR12.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UPS Employees Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | — |
Sources (1)
- upscu.org/rates · captured Oct 5, 2026
Who can join UPS Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of UPS who work in Tennessee, Mississippi, Arkansas, Kentucky, Georgia, Virginia, Missouri or Alabama are eligible to join.
Family and household
- Family members of UPS Employees who work in Tennessee, Mississippi, Arkansas, Kentucky, Georgia, Virginia, Missouri or Alabama are eligible to join.
Cost to join
- A deposit of $25.00 is required to open an account and become a member.
Membership information collected October 5, 2026.